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MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The skill explicitly states the agent has "direct access to ad platform accounts" and is tasked to "create, optimize, and scale paid advertising campaigns," which necessarily includes managing ad spend and budgets on advertising platforms. Managing/updating ad budgets is listed in the policy as a direct financial execution capability. This is not a generic tool; it's specifically designed for paid-ad account operations that can move money.